Updated: September 26, 2024
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When you have a pet, veterinary bills are inevitable. With the best pet insurance in Ohio, you can avoid the risk of large and unexpected vet bills if your pet is injured or gets sick. We collected data from pet insurance companies in Ohio that serve the top cities including Akron, Cincinnati and Cleveland. This analysis helped us establish the cost of pet insurance in Ohio, so you can choose the best coverage for your furry friend that fits your budget.
The type of pet insurance policy you choose can have a significant impact on how much you’ll pay out-of-pocket if your pet gets sick or injured. To find the best pet insurance companies in Ohio, MoneyGeek reviewed thousands of quotes in the state, including policy and coverage details. Affordability and product offerings were factors used to determine the best pet insurance companies.
Wide coverage for pet insurance
24/7 emergency helpline
Fast turnaround of claims
Does not cover pre-existing conditions
Does not cover elective and preventive procedures
MoneyGeek chose Pets Best as the best overall pet insurance company in Ohio. The insurer offers pet owners in Ohio the most comprehensive coverage, including accidents, illnesses, hospitalization and cancer treatments. Insuring a pet with Pets Best costs an average of $23.73 per month.
As long as they’re not pre-existing, almost every condition, illness and injury is covered under a Pets Best policy. Among these are hereditary and congenital conditions, chronic conditions, behavioral consults and periodontal disease. The company also offers full coverage for pets even when they’re not spayed or neutered.
Pets Best also provides 24/7 access to veterinary experts should you have any questions or concerns about pet health. Further, your claim for reimbursement will be processed as quickly as possible, with Pets Best depositing reimbursement within approximately two days through its direct deposit feature.
No annual limits on policies
Comprehensive coverage
Covers mobility tools for pets
Does not cover pre-existing conditions
If you’re looking for pet insurance with unlimited coverage in Ohio, your best option is Pets Best. The company offers policies with annual limits of either $5,000 or unlimited coverage. Keep in mind that unlimited coverage does cost more since it offers maximum protection for your pet. With unlimited coverage, you can expect to pay an average of $30.03 per month.
The good thing about unlimited coverage is that you won’t have to worry about the cost of your medical bills if something happens to your pet. Diagnostic testing and prescription medications are also taken care of by Pets Best. This way, you can focus on getting the best possible care for your furry friend.
Pets Best also covers prosthetic devices or wheelchairs when prescribed by a licensed veterinarian to treat a covered accident or illness. This coverage is something that you won’t usually get from other insurance companies.
Broad range of deductibles
Offers accident-only plans
Offers add-on plans that give cashback for regular exams and preventive treatments
Behavior issues are not covered, except consultations and prescription medications (if the appropriate supplemental benefits are purchased)
The pet insurance company offering the most affordable coverage in Ohio is Pets Best. The average premium for a policy with $5,000 coverage is $17.43 per month. This includes coverage for accidents, illnesses, periodontal disease and more.
Unlike other companies, Pets Best has a broad range of deductibles, with $50 being the lowest and $1,000 the highest. The higher your deductible, the lower the cost of your annual premium.
The insurer has accident-only insurance too, which is helpful for those with limited budgets. In the event your pet breaks a leg or accidentally swallows something, you’re covered. In addition, this company offers optional routine care coverage for your pet’s regular and scheduled veterinary visits.
Chronic conditions covered over multiple years
Waiting periods of three to 14 days
No upper age limits on policies
Does not cover bilateral conditions
If you need coverage for multiple pets at an affordable price, Pets Best is MoneyGeek’s top pick. Insuring more than one pet qualifies you for a 5% discount on Pets Best’s comprehensive pet insurance coverage. It will cost you a monthly average of $21.36 for a policy from this company.
Pets Best offers shorter waiting periods than many other insurance companies. The wait time for accidents is three days, while illness is 14 days. If you choose to add a routine care plan to your existing policy, you can use it as soon as your policy becomes effective.
The insurer does not have upper age limits, allowing you to enroll your dog or cat at any age over seven weeks. Keep in mind that your pet insurance premiums may increase for older pets, because they tend to develop more health issues as they age.
Vet exam fees are covered
Complementary treatments, including chiropractic care and acupuncture, are covered
24/7 pet helpline
Pets 15 years and older are only eligible for accident-only insurance (unless they enrolled for full coverage before 15)
MoneyGeek chose Embrace as the best pet insurance company for cats in Ohio. Even though cats are generally less expensive to insure than dogs, shopping around can still help you save some money. A policy for cats from Embrace costs an average of $15.52 per month.
Embrace policy ensures your feline friend is covered nose to tail for every unexpected accident and illness. Among its notable coverages are congenital conditions, chronic conditions, orthopedic conditions and preventable conditions. The company will also cover diagnostic testing for any covered illness or condition, including biopsies, X-rays and MRIs.
Embrace also has a routine care add-on plan that covers routine care expenses. However, incurable pre-existing conditions aren’t covered by Embrace’s policies, although in some instances, curable pre-existing conditions (like ear infections) can be covered once your pet is symptom-free for 12 months.
Ranking | Winner | Avg. Monthly Cost |
|---|---|---|
Overall | Pets Best | $24 |
Unlimited Coverage | Pets Best | $30 |
Affordable Coverage | Pets Best | $17 |
Multiple Pets | Pets Best | $21 |
Cats | Embrace | $16 |
The cost of a pet insurance policy is influenced by a number of factors: coverage type and amount, the breed and age of your pet, the insurance company itself, and even where you live.
In Ohio, the average monthly cost to insure a dog is $26.23 for a $5,000 coverage limit, $48.13 for a $10,000 coverage limit and $54.78 for unlimited coverage. Cats cost less to insure, with a $5,000 coverage limit costing $13.95 per month on average, a $10,000 coverage limit costing $24.07 per month and unlimited coverage costing $33.80 per month.
Pet Insurance Policy | $5k Coverage | $10k Coverage | Unlimited |
|---|---|---|---|
Average Cost for a Dog | $26 | $48 | $55 |
Average Cost for a Cat | $14 | $24 | $34 |
For the average pet insurance buyer in Ohio, we recommend a $5,000 to $10,000 coverage limit and an 80% or higher reimbursement rate. This will ensure that you won’t have to worry about exorbitant costs if your pet gets injured or sick.
MoneyGeek wants to help pet owners in Ohio understand the typical options in pet insurance policies offered by most companies in the state:
Some Ohio pet owners will look for cheaper policies with lower coverage amounts because of their budget or coverage needs. Others may prefer policies with high coverage limits to guarantee maximum protection for their pet.
Of course, higher coverage limits are more expensive, and the average pet owner may not need that kind of protection. Nonetheless, this type of policy offers maximum protection for your furry friend and peace of mind for you. For pet owners in Ohio, MoneyGeek recommends the average coverage amount listed below.
Maximum Policy Coverage | Winner: Cheapest Policy | Avg Cost |
|---|---|---|
$5,000 | Pets Best | $17 |
$10,000 | Figo | $34 |
Unlimited | Pets Best | $30 |
It’s best to shop around for pet insurance with several coverage options to save money. MoneyGeek compared pet insurance companies in Ohio that offer the cheapest low coverage, cheapest average coverage and cheapest unlimited coverage policies.
Pet Insurance Company | Low Coverage Monthly Cost |
|---|---|
Pets Best | $17 |
Figo | $22 |
Pet Plan | $27 |
Hartville | $27 |
ASPCA | $27 |
Spot | $27 |
GEICO | $28 |
Embrace | $28 |
24 Pet Watch | $35 |
Pet Insurance Company | Average Coverage Monthly Cost |
|---|---|
Figo | $34 |
GEICO | $39 |
Embrace | $39 |
24 Pet Watch | $46 |
ASPCA | $48 |
Hartville | $50 |
Spot | $50 |
Pumpkin | $59 |
Nationwide | $68 |
Pet Insurance Company | Unlimited Coverage Monthly Cost |
|---|---|
Pets Best | $30 |
Healthy Paws | $41 |
Figo | $49 |
Trupanion | $52 |
Pet Plan | $77 |
Spot | $80 |
In addition to your pet’s breed and age, where you reside can impact how much your pet insurance costs. Some cities in Ohio, for example, have a higher cost of living, resulting in higher veterinary medical costs and pet insurance policy premiums. Due to weather, traffic or other hazards, other cities in Ohio may have a higher risk of accidents for your pet, which can increase your rates. Of course, the type of coverage you choose will affect the monthly cost of your pet insurance too.
City | Coverage Level and Average Monthly Rate |
|---|---|
Akron | $5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Figo, $34 |
Cincinnati | $5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Figo, $34 |
Cleveland | $5k: Pets Best, $18 Unlimited: Pets Best, $31 $10k: Figo, $34 |
Columbus | $5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Figo, $34 |
Dayton | $5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Figo, $34 |
Toledo | $5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Embrace, $33 |
Pet insurance costs vary depending on your pet’s breed and age, your coverage policy and your location. Most pet insurance companies allow you to tailor your coverage limits to fit your pet’s needs and your budget.
Annual reimbursement limit
This refers to the amount of money your insurance provider will pay toward your pet’s medical bills on a yearly basis.
Deductible
Deductibles are the predetermined amount of money you have to pay before your insurance kicks in. Lower deductibles mean higher monthly premiums.
Bill reimbursement percentage
This is the amount that your insurance company will reimburse you for your pet’s veterinary bills (after your deductible). You can usually choose up to 90% reimbursement, but you’ll pay more in premiums.
Breed
One factor affecting the cost of your pet insurance is the breed of your pet. Typically, dogs are more expensive to insure than cats.
Animal age
Your insurance policy tends to change as your pet ages. This is due to older pets being more prone to sickness or injury.
Location
Where you live can influence the total cost of your monthly premium. Some cities have a higher-than-average cost of living, while others have more accident risks for your pets due to weather or traffic.
Multi-pet discount
Having more than one pet insured with the same company can reduce your overall cost of insurance. Some pet insurance companies provide a small discount of 5% or 10% when you enroll more than one pet with them.
More than 62% of households in Ohio are pet owners, and only a fraction of those pets are insured. MoneyGeek believes that pet insurance makes sense. It can help you cover large and unexpected medical bills if something happens to your pet.
For instance, dental disease in a cat or dog costs on average between $500 and $700, although a heart murmur will run you well over $1,000, and a broken bone more than $2,000.
In Ohio, the cheapest pet insurance is offered by Pets Best at an average of $17.43 per month for low coverage. However, your premium will depend on the breed and age of your pet and where you live.
On average, a policy with $10,000 coverage in Ohio costs $48.13 for dogs and $24.07 for cats. However, your monthly premium may differ depending on your breed of pet, the coverage level you choose and where you live.
Pets Best is MoneyGeek’s pick for the best overall pet insurance company in Ohio. This insurer is also the best option for unlimited and affordable coverage, and when insuring more than one pet. Embrace is our choice as the best pet insurance company in Ohio for cats.
MoneyGeek is of the opinion that data allows us all to make better financial decisions. To that end, we collected thousands of pet insurance quotes across the 13 largest providers to ensure that you find the most affordable policy to meet your own needs and those of your pet.
To determine the best pet insurance companies in Ohio, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Ohio and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Ohio for four pet types with the following coverage levels:
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
